Latest news with #teller
The Guardian
25-05-2025
- General
- The Guardian
The kindness of strangers: I thought my wages would be docked but the customer I'd overpaid returned
It was Christmas Eve, 1977. I was 20 years old and working on the desk at a credit union as a teller. Management thought it was a wise idea to offer our customers a glass of champagne with their withdrawals that day, so I had been helping myself to a small glass of bubbly as I handed the customers one. By the end of the day I was unsurprisingly a bit tipsy and, when I balanced up the till, I realised I was $20 short. At the time, $20 was almost a week's pay for me, or at least half a week's pay, so it was a decent amount of money. I was sitting there feeling quite distressed, because if the till was down you had to make it up from your own wages – that was the deal. It meant I would have no money for the Christmas period. Suddenly there was a knock on the window, and I looked up to see a man who seemed desperate to come in. We normally didn't let anyone in after we'd closed but the man kept knocking, so I eventually opened the door a crack to see what he wanted. When I did, he handed me the missing $20 note – he told me I'd overpaid him, so he'd spent half an hour travelling across town on Christmas Eve to return the money, knowing that my till would be out. It was a lovely thing to do, and it made a lot of difference to my outlook on life. It wasn't just the money, it was the fact that he had gone to such effort to make sure that I wasn't out of pocket, when it was entirely my fault anyway. The experience also meant that I'd never accept an accidental overpayment from anyone ever again. I know how much that money can matter to people working in retail. And I think if you've ever worked in the lowest end of jobs, you tend to have more empathy. It's been almost 50 years but I've not forgotten that man's act of kindness. I've learned in life that people do mean things to you sometimes but it's the kind things that really make the difference. From making your day to changing your life, we want to hear about chance encounters that have stuck with you. Your contact details are helpful so we can contact you for more information. They will only be seen by the Guardian. Your contact details are helpful so we can contact you for more information. They will only be seen by the Guardian. If you're having trouble using the form click here. Read terms of service here and privacy policy here
Mint
30-04-2025
- Business
- Mint
ATM charges to get costlier from May 1 — what you need to know
Customers alert! Your automated teller machine (ATM) transactions are set to get costlier from May 1 onwards, with banks increasing charges by ₹ 2, for all transactions over the montly limit. This comes after the Reserve Bank of India (RBI) said it would allow banks to increase ATM charges for money withdrawns exceeding the free usage. 'Beyond the free transactions, a customer may be charged a maximum fee of ₹ 23 per transaction. This shall be effective from May 1, 2025,' RBI said in a circular on March 28. The RBI's circular is applicable to all commercial banks, including regional rural banks (RRBs), co-operative banks, authorised ATM network operators, card payment network operators, and white label ATM operators. It will now cost you ₹ ₹ 23 per transaction from the earlier ₹ 21/each, on all transactions / withdrawals from bank ATMs beyond the monthly free use. As of January 2025, there are 1,30,902 on-site ATMs and cash recycler machines (CRMs), and 85,804 off-site ATMs and CRMs, according to a PTI report. At present, the central bank permits five free monthly withdrawals from' ATMs of your own bank, and another three from other banks in metro cities. In non-metro cities, aside from the five free ATM transactions at your own bank, you get another five transactions at other banks. Financial (money withdrawal, deposit, etc.) and non-financial transactions (checking balance, change of PIN, etc.) are included in the monthly free transactions — whether at your bank ATM or another bank's ATM. No. According to the RBI circular, banks are also allowed to apply, mutatis mutandis, the charges hike to transactions done at CRMs (other than for cash deposit transactions). Further, the circular also said the ATM interchange fee will be as decided by the ATM network. At present, interchange fee per transaction is ₹ 17 for financial transactions and ₹ 6 for non-financial transactions in all centres. The RBI periodically updates the number of free ATM transactions and maximum charges that can be applied on a customer beyond the mandatory free usage. This is part of that revision process. 'While this hike may burden frequent ATM users, it presents a significant opportunity for Business Correspondents (BCs) and digital-first players,' Shikhar Aggarwal, Chairman, BLS E-Services told PTI. 'With ATM withdrawals becoming costlier, customers — especially in rural and semi-urban areas — will increasingly turn to MicroATMs and BC networks, which remain fee-free for transactions,' he added. Key Takeaways ATM transaction charges will increase from ₹21 to ₹23 for withdrawals exceeding the free limit. The RBI allows banks to apply this charge hike to both ATMs and cash recycler machines (CRMs). Frequent ATM users may seek alternatives like MicroATMs and Business Correspondents to avoid fees.
Yahoo
26-03-2025
- Business
- Yahoo
Exchange Bank Announces Ivette Celedon, Vice President, Branch Manager
SANTA ROSA, Calif., March 26, 2025--(BUSINESS WIRE)--Exchange Bank is pleased to announce Ivette Celedon as vice president and branch manager supporting the Petaluma office at 453 North McDowell Blvd., Petaluma, CA. Celedon is a Petaluma native with over 18 years of experience in business and consumer banking, building customer relationships, and community service. She began her career as a teller and steadily advanced through various leadership roles. Most recently, she served as Branch Manager at our St. Francis office, where she showcased her dedication to both customers and colleagues. Beyond her professional achievements, Celedon is deeply rooted in the Petaluma community. A 2024 graduate of the Leadership Petaluma, a program of the Petaluma Area Chamber of Commerce, she enjoys spending time with her family, often found cheering on her children at soccer games across Northern California. She actively volunteers with non-profit organizations, including Redwood Empire Food Bank, 10,000 Degrees, and Casa Grande High School Project Grad. Additionally, she runs private indoor soccer teams, engaging over 100 young athletes in the Santa Rosa and Petaluma communities. She also serves on the board of North Coast Futbol Club, further solidifying her dedication to local youth and sports development. Celedon's passion for both banking and community service makes her a natural fit for the role of branch manager. About Exchange Bank Headquartered in Sonoma County and founded in 1890, Exchange Bank is a full-service community bank with assets of $3.30 billion. Exchange Bank provides a wide range of personal, commercial, and trust and investment management services with 17 retail branches in Sonoma County, a retail branch in Roseville and Trust & Investment Management offices in Santa Rosa, Roseville, Marin County and Silicon Valley. The Bank's legacy of financial leadership and community support is grounded in its core values of commitment, respect, integrity, and teamwork. Exchange Bank is known for its people who care about their customers, their company, and the communities where they live and work. Exchange Bank is a 19-year winner of the North Bay Business Journal's Best Places to Work survey and a 13-time winner of the Best Bank of Sonoma County by the Press Democrat's Readers' Choice 2024 awards. Exchange Bank was named Best Consumer Bank by the NorthBay biz Magazine's Best of the North Bay readers' poll and Best Local Bank by The Petaluma Argus Courier People's Choice Awards 2024. Exchange Bank is also a winner of the 2024 San Francisco Business Times Corporate Philanthropy award, and the Bohemian Magazine's Best of the North Bay 2024 named Exchange Bank Best Business Bank and Best Consumer Bank. Member FDIC — Equal Housing Lender — Equal Opportunity Employer View source version on Contacts Suzanne Knowlton, VP/Director of Marketing & Community RelationsExchange BankPO Box 403Santa Rosa, CA Sign in to access your portfolio
